Many motorists are not aware of how much a single traffic incident might cost them in future fines and insurance costs. Having an accident or being pulled over while under the influence of alcohol or other substances may result in getting arrested. After the arrest, many people are not expecting that the state will require that they have an extra layer of coverage. Here are a few tips for obtaining SR22 insurance.

After receiving notice by that the state than an SR22 insurance policy will be required prior to a license being reinstated or renewed, often takes affected motorist by surprise. They may have just finished serving a few days in jail or paid a hefty fine. Reaching out to a local insurance company for rates and policy information on SR22 insurance can be done quickly online. 

Review any paperwork sent from the state in the mail or that was given on any days in court. The predetermined amount of time that the addition of the SR22 insurance requirement extended by the court is important. Always keep the SR22 insurance coverage the full length that was discussed. For some insured motorists, this requirement could last several years. The state has designated departments that keep up with the driving records and to check for any lapses in coverage. Lapses in coverage for your SR22 insurance policy could lead to having a license suspended or in severe cases revoked.  

Individuals that perhaps lost their vehicle due to damage in an accident or simply do not own one, can obtain a non-owner SR22 insurance policy. This way they are legal when driving the vehicle of another individual and will be in compliance with legal documents requesting that they maintain coverage for a set amount of time. Not owning a vehicle, is not an excuse for not maintaining court-ordered SR22 insurance coverage. Maintaining the SR22 insurance policy is the only way to go back to a traditional policy. 

Obtaining coverage quickly will only be helpful and will help stay off the state's radar for not having the correct form of coverage. Discounts may be available for paying the policy in full or signing up for automatic payments. Reach out to the insurance company when changes occur with driving habits. Slight discounts may be available when changing from a long commute to full-time remote work. Take time to contact the insurance company directly if payment arrangements are needed to keep the policy in good standing. Use these tips when staying in good standing with the state with a current SR22 insurance policy.